Rating based on 27 reviews

NZCU Auckland

  • Credit union loans starting from $1,000
  • Low-interest starting from 9.95%
  • Repayment up to 5 years

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NZCU Auckland homepage
Author NZCU Auckland. Screenshot of NZCU Auckland website.
[Accessed July 3, 2019]

NZCU Auckland

NZCU Auckland is a Credit Union that provides tailor-created financial solutions to align with your current budget and circumstances. Our customers are very diverse and come from across Auckland and New Zealand.

Our company was first established in 1965 and is proudly owned and operated by our citizens.

We pride ourselves in remaining responsible to our clients and all our funding is provided from the community that we serve. Our services were designed specifically for those that are living in Auckland and New Zealand.

Our promise that we are there for you

As a credit union, we are made up of our members, our clients are very important to us and we offer a wide range of products and services to cater for every need.

When you need us, we will respond quickly and make sure all your needs and desires are met. Our profits are returned to our clients through our low-interest-rate charges and savings on other charges.

Benefits of joining a credit union

  • Access to low-interest rate personal loans including great deals on your mortgage
  • Access to savings and investment accounts
  • You will have access to a current saving account
  • Access to great insurance product deals and services

NZCU Auckland Services

Part of our service is that we make it very easy to keep tabs on your account, you can visit one of our branches to speak to a consultant in person, call us on our 24-hour contact number or send us a text or e-mail message. If you are on the move visit one of our ATM/EFTPOS facilities.

We want you to join our family and benefit from our low-interest service and expert knowledge. Joining a New Zealand credit union means that you are part owner and you have a say in what goes on in the union. Each member is encouraged to attend and vote in the AGM and can run for a position on the board of directors.

Credit Union banking service

As part of your benefits low-interest, you will have access to an everyday banking account that has very flexible transactions as well as short-term loans and more. You will receive an NZCU Access cash card that will allow you to draw money from any access cash ATM or download our app and have access via Accessphone or Access web.

You will be able to have freedom and decide when you want to bank through our flexible transactional account, multiple ways to access your funds and a dedicated account card for EFTPOS transactions at retail stores and ATMs.

Billpay account and what it entails

Billpay account offers you an easy way to budget for expenses and helps you keep track of all your payments all from one place. You can transfer money automatically into this account to pay your bills or keep the account separate from your other accounts.

NZCU Auckland – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate 9.9519% p/a
  • Loan Amount from $1,000
  • Repayment 3 months to 5 years

Benefits of NZCU Auckland

  • Quick approvals
  • Flexible repayment terms
  • Loans are tailored to suit you

Credit union loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

NZCU Auckland - reliable credit solutions

As a member of one of the top credit unions in the country you can easily set up a direct debit to run automatically to take the stress out of paying your bills.

Benefits include:

  • Use the account to budget more easily and budget for expenses in a separate account
  • Keep track of your bills very easily
  • Transfer funds for free
  • Set up direct debits that run automatically
  • Pay online and track what you spend easily

If you need vehicle finance for a new car or you need cash to pay for your dream holiday then we will be able to assist you. If you have bad credit or you need to consolidate your accounts into one easy payment.

Benefits of applying for a loan through a credit union:

  • Apply for a loan 24 hours a day through our online platform
  • We will help you design a customized loan to meet your requirements
  • A fixed interest rate allows you to budget and knows where you stand
  • Flexible repayment terms that align with your salary frequency
  • Personal and quick loans start from as little as 9.95% pa
  • There is an option to provide security against your loan
  • The loan period is fixed and is normally between 3 – 5 years

Home loans to turn your dreams into a reality

When you are looking for a home loan or you want to refinance your existing home loan. We can help you customize a home loan to help you finance your dreams.

If you are a young couple buying your first home together one of our consultants will hold your hand through the entire process and help you right up until you move into your new home.

If you already have an existing home loan you can talk to one of our friendly consultants about our different refinancing options. If you have a home loan with a different lender then you can move your existing loan to NZCU to save on the interest rate and fees. An NZCU Home loan allows you the option to repay your loan early.

Choose to join the NZCU family

If you join the NZCU family, you will be treated with dignity and respect as well as benefit from our friendly passionate service and affordable personal and payday loans for members.

Customer Reviews & Testimonials

I would recommend NZCU Auckland to anybody that is looking for affordable credit plans.

Charles H
— Auckland —

Applying for the NZCU Auckland loan took me less than 10 minutes to complete!

Emily A
— Wellington —

I am a happy customer from NZCU Auckland because they have never given me a loan I can’t afford to pay.

Mary T
— Nelson —

NZCU Auckland Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed